Latest / The Curve / TCW62: GenZ, Millenials or boomers - who needs the most for their 20 year holiday?

Transcript

TCW62: GenZ, Millenials or boomers - who needs the most for their 20 year holiday? · The Curve

• 0:00
  Hi and welcome to the Curve Weekly. The podcast that keeps you up to date with all the money,
• 0:06
  business and stock market tea. Everyone should experience for us at least once in their lives
• 0:10
  and Annie shouldn't miss out just because she can't afford it. Help me, I'm poor.
• 0:14
  Oh, so you got some, um, few differences today for this podcast. Oh, yeah. We've got a little
• 0:23
  darling in studio. Me, me, me, so Vick's dog's made away all the way from New Zealand.
• 0:29
  Yes. She's flowing over and God, she's happy to be here. One thing everyone's like,
• 0:34
  oh, she accustomed, you know, she jet lagged all of this and I was like, no, but you know, one thing
• 0:40
  I've definitely noticed is the shit on London Street. Like when I'm taking her for a walk,
• 0:45
  the amount of chicken bones, the amount of vomit, the amount of rubbish, I'm like, no, no,
• 0:51
  me so just be like, what is this place? She probably loves that though, doesn't she? You just
• 0:55
  notice how much, I'm just so feel like I'm constantly like yanking her anyway. Has she adapted to
• 1:00
  the tube and public transport? Yeah, I just don't think dogs mean very nice to her. Oh,
• 1:04
  British dogs. Oh, really? You poor babies being bullies. I know. I'm like, you'll be a
• 1:10
  customer soon. She should have a British bark and no time. Do you think, do you think that she's,
• 1:15
  she must smell that she's definitely, she would smell different. Yeah. Oh my God. She's, she's
• 1:19
  pulling a little bit of weight, isn't she? That's what my sister said. I mean, I mean, she's just,
• 1:26
  that's like, no, she hasn't. She's just my baby. She's perfect in every way. I like her a bit
• 1:32
  chunkier. No, but like I had her in the coworking space this morning and every single person that walks
• 1:36
  through the door, she would get up and go and like follow and like sniff and say hi and they're like,
• 1:40
  oh my God, I'm so exhausting. I was like, oh my God. I was like, she's a terrible guard dog
• 1:45
  and then someone jokes. Yeah, if it robber came, she'd be like, hi, yeah, take the TV, yeah, go,
• 1:50
  bye, see you. Also you, you're not the sort of person to randomly sound a conversation with,
• 1:55
  with random people, but having a dog especially in a coworking space. Yeah. I feel like this is
• 2:00
  a brilliant way for you to get out of your shell, you know, because you're like, have to talk to
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  these people that are like your dogs cute. I'm just always apologizing. I'm like, sorry, sorry,
• 2:07
  sorry. No, she's weird. Oh, sorry, she's friendly. Sorry, she's, you know what I'm saying. No, no, no,
• 2:12
  they do love it. Well, some people do. I feel like some people like, okay, get away. Yeah,
• 2:17
  I also just like to apologise for my voice, sounding like, yeah, 10 octaves too low. Yeah,
• 2:21
  it sounds like we've got Stephen Hallwright. Yeah, Stephen Hallwright had a big week in a Morocco
• 2:26
  and actually to be fair, Stephen was on his best behaviour in locker. I love that you were like,
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  I wasn't beat by two, are you? Me very nice. Yeah, I was. Some people were up to nine in the
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  morning. I find it, yeah, as well. Like I really was so well behaved. Like I had a good time,
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  I partied, yes, I had alcohol, but I was being quiet. I was like, I can't afford to get sick right
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  now. Yeah, yeah. And then what happens? I get sick anyway. It's devastating. I feel like you must
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  all been like hooking up with each other or something. No, I think it's because there was water bottles,
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  you can't drink the tap water. And so there was just sort of water bottles everywhere and everywhere,
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  I kind of just would switch them all. Oh, water bottles. Oh, God, you go away. Do you know what's
• 3:07
  funny? There was actually only, not funny, but there was only, there was 30 people. Yeah. And only
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  three people were single. And like lots of people was, I was like sizzling all over again. Boy friends
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  or partners weren't there. Yeah. But it definitely wasn't, you know, there wasn't much gossip happening.
• 3:23
  Yeah. Yeah. Yeah. I find it. Okay. So, so, how much do you think you need to retire with?
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  Not retire, sorry, for your 20 holiday. So the rate, how I've recently started thinking about it,
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  by the way, can anyone have me so breathing? She's so keen. I think have her up on the thing now.
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  Come on. I just didn't want. If it was pretending that her dog's really well behaved and doesn't get
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  on the sofa. And as soon as our technicians enter the room, she's like, all right. I know. And it
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  doesn't melt. And it doesn't. Sorry. Okay. So my 20 year holiday. So the way that I've recently
• 3:56
  been thinking about this is, if I earn at the moment, I'm earning 45,000 pounds a year, which is
• 4:03
  about 90,000 New Zealand, that's not really enough for me right now anyway. Yeah. So if I think about
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  20 times that, what even is that? Like 100,000 times 20. What is that? Two million. Two million.
• 4:19
  Sorry. Yeah. So I need probably, I would say at least two million. I maybe honestly three.
• 4:26
  Yeah. I plan on having quite a fun retirement. Okay. 20 year holiday. Yeah. What do you think?
• 4:32
  Yeah. I mean, that's a lot. I mean, a girlfriend dream. Yeah. No. A girl can put action in place.
• 4:37
  But my parents dream. Yeah. I would like to have, I would like to have a decent amount. I know
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  that I'm not currently on track to get there. Yeah. So I might have to make some changes. But
• 4:49
  yeah. What? What? Well, there was a study that came out that said, the typical person needs 1.5
• 4:54
  million dollars to retire. Which? And is that New Zealand? And that's to retire company. That's US
• 4:59
  dollars. Oh, yes. That's about 3 million New Zealand. Roughly. Yeah. Yeah. Which is a lot of money.
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  But the issue is that the average person has about $88,000 in their retirement savings.
• 5:13
  That's not even one year's salary. Yeah. So that they need 17 times more than that to retire.
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  So do you speak about compound interest in that? Wait, sorry, 87. Do you mean US?
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  Yeah. This is all US dollars. Yeah. Yeah. So you need 1.5 million US dollars to retire an average.
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  And those people have $88,000 on average currently. So there is a lot of heavy lifting that needs
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  to be done. And does the government step in and that's it? Because you don't have majority of people
• 5:45
  all of a sudden living on the streets because they can't afford to not work. Like there's a state
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  pension, depending on which country you're in. Like there is a pension, but it doesn't go very far.
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  At all. Like you can't realize my mind that that is the state of majority of them. And also that
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  this is like poor elderly people that will be, you know, like, I don't know, anyway, I don't know
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  that thing about it. But yes, this number, this like magic number 1.5 million that the study found
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  is 50% higher than what it was pre pandemic. So this is just like making people's lives more stressful
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  now, having to save more, but there's a cost of living crisis, all of that stuff. But naturally,
• 6:31
  baby boomers need less because they're closer to that retirement age. I don't understand that though.
• 6:38
  Yeah. So I guess with that is that things are going to get more expensive later in life.
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  So Gen Zs, who are younger, by the time they reach retirement, inflation or that is going to be
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  way more expensive. So that things are going to be more expensive if we're going to need more money.
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  But the beauty that they've got is they've got time. So if they start now, then they've got time to
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  get that. Oh my god. Are you about to say, we're going to be the most fucked over millennials?
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  I thought you were going to say like boom is a close to that. No, but every single Gen Z millennial
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  baby boomer, like everyone is in a bit of a shit situation. No, but none of those generations
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  is financially sorted for retirement. It's also that one really intriguing thing is that Gen Zs
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  expect to retire at 60 but live to 100. So they're going to have 40 years by the time they get
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  retirement. So that's another thing as well. So not only is everything getting expensive,
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  we're living longer. So Gen Zs are going to need a greater amount of money because it's got to
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  go further. So instead of 20 year holiday, they might have a 40 year holiday. I want a 40 year
• 7:40
  holiday. Yeah. Well, then you can retire it. I don't know when you're going to die, but
• 7:45
  I started watching one day, the Netflix show. Have you seen it? Oh, with the
• 7:50
  oh my god. Honestly, with the couple. Yeah. Yeah. Yeah. Just with I just was like, oh my god,
• 7:56
  we don't all live free for you know. Oh, yeah. She gets hit by a bus. Oh, okay.
• 8:00
  Want to see anyone there? Sorry. I forgot. I forgot the ending and I was like, what does this
• 8:04
  got to do? Sorry. Someone's probably like just about to watch. Oh my god. Okay. We've really
• 8:11
  massed like preface. Like if you're watching one day in the description. Sorry. I'm really sorry
• 8:15
  if it's ruined it for you. Also, she doesn't get hit by a bus, but you know, along the lines off.
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  I'm just trying to make sure that they maybe he gets hit by a bus. Oh, anyway,
• 8:26
  what are you doing? Life is short. It's life is short. Carpe diem, yolo, all that kind of stuff.
• 8:33
  And some more kind of stock market news. And this was one that I loved researching. But Calvin
• 8:39
  Klein isn't doing very well. No. And I was like, well, must research why. And then just
• 8:45
  got in the hole of like all these hot guys and undies. What is it about the Calvin Klein underwear?
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  It is universally a sex icon. Honestly, like you could not say the dead bods aren't sexy,
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  but like you could put anyone in Calvin Klein's. Even if you didn't find them attractive.
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  And then certainly you've been like, you've gone up if you're not. Yeah. I actually done a great job
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  at branding and having that name. Yeah. Yeah, it's I even if I put on Calvin Klein's. I'm a bit like,
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  100%. I mean, I sent a sexy photo of my Calvin Klein to the other day, but they're like giant
• 9:19
  briefs. They're not even like a G-Strike. They're like big underwear. And the top of them is
• 9:24
  Calvin Klein, but I still reckon they're hot. Yeah. And maybe they're not. But I was like,
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  you look good. No response. You're like, oh, okay. But I remember seeing guys with a little
• 9:33
  like Calvin Klein popping over the jeans and walking in the string, you're just like, yeah.
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  Anyway, so this was a nice one to research. I mean, it's not hugely relevant.
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  But so Calvin Klein is owned by a company called PBH. And it's share price fell about 20%
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  because Calvin Klein isn't doing too well. So they also owns Tommy Hilfiger, which I kind of think.
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  I mean, kind of having a resurgence, but they've been having a bit of trouble for a while.
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  Those two brands, which yeah, I know. So I've just a liberal confused. Well, I just I still see
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  and I see vintage Calvin Klein and Tommy Hilfiger everywhere. I kind of would have thought
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  like Tommy Hilfiger I get because it's like clothing. But Calvin Klein used to have got
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  clothing, but like it's a majority of it is underwear. And in a recession and all that,
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  you're still you're still in undies. But are you going to be buying? I mean, they're expensive.
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  I mean, you could be spending a hundred dollars on three pairs of underwear.
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  Or you're going to go to probably going to go to cotton on body or like, yeah, maybe I don't know.
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  But yeah, I was just thinking I was like, this would have been in my thinking. I would have
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  been like, oh, this is like a supermarket. You know, like underwear is pretty stable.
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  People are still going to need to buy it in a recession. I don't know.
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  Maybe people just let themselves go. Or just like, we're then a bit longer with a few more holes.
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  I don't know. Well, I don't know if you can wear underwear with holes in it. Yeah.
• 10:58
  I know. It's time for those to go. Yeah, sure. Anyway, you might need to have a
• 11:03
  an overhaul there, I think. No, I'm very strict around my whole underwear.
• 11:09
  No, I mean, I used to maybe I was like, when I was like, you knew something. And then I was like,
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  oh, my gosh, living with people and having like, holy underwear and doing the washing and
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  night also with a boyfriend, didn't it? Yeah, it's not like, yeah. Hey, pass me my undies,
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  sweetie. And there's like multiple holes. I don't know if I've got a leg through because
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  so many anyway. Can I just say though on the underwear front? Do you know what I reckon is hard?
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  It's finding that time when you can start to introduce the, you know, the period undies or the
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  giant undies or the ugly ones, because if you're dating somebody, you know, it's unrealistic to
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  think that, you know, all of the underwear we wear is cute and sexy. Yeah. No, I do it pretty
• 11:50
  quickly. Do you fuck going to bed in a lacy j-string? How comfortable is that? I hate sleeping in a
• 11:56
  j-string. It's just it feels like I'm all over the show. Yeah. Also just not nice. Sorry. Anyway,
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  so PVH, the company that owns Calvin Klein and Tommy Hilfiger has kind of been going through
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  a transformation and trying to be trying to reinvigorate the two brands, but it's obviously not doing
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  very well. And particularly in Europe. So Europe's not doing fantastic at all. So yeah, the shared
• 12:19
  price fell along. What other brands are in PVH? Those two. Just two. Yeah. Okay. Yeah.
• 12:26
  Dad. But another stock hasn't been doing too well either as Tesla. So they had their results
• 12:32
  last week and the amount of cars they produced wasn't as much as people that
• 12:37
  had expected in the shared price fell. And Tesla is actually the second worst performing stock
• 12:43
  in the S&P 500. So out of all the top 500 companies in the US, Tesla is the second worst this year.
• 12:50
  Wow. Yeah. Considering we were talking about how well it's done and everything. I guess just
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  close to show that you share prices go up and down. But again, if you believe in the long-term
• 13:00
  story of Tesla and that it's going to dominate the PVH. I don't know. I'm kind of starting to jump off
• 13:03
  of Tesla's bandwagon. Is that just me being a sheep? Yeah, I think so. Is it? Yeah. But I must say
• 13:09
  there's like a, if this is the second time they've dropped prices because I remember in the
• 13:13
  curve weekly during the pandemic, you said they had to drop the prices of their cars. Yeah.
• 13:18
  They're doing that again. No, no, it just make just the output wasn't as much as people. So the
• 13:22
  demand, the amount of cars they sold, that's not. So then people have got bigger questions like,
• 13:27
  oh, okay. Does that mean that people are not wanting electric vehicles? Well, one of the other
• 13:33
  brands are the other brands that are doing well in that space. Yeah. There is other brands that
• 13:36
  are doing well. So then it's like, oh gosh. But then the brands that did well, they share prices
• 13:40
  fell as well. So people are just getting a bit skeptical about this whole transition to electric
• 13:44
  vehicles. And why, though, what has there been any news or research out about them being? Well,
• 13:49
  like people aren't demanding as many cars by the biggest electric vehicle car maker. That's
• 13:55
  surely an indication that people are. I also reckon, side note, I'm trying to sell my car right
• 14:01
  now in New Zealand. And holy shit, I'm getting no bites. Is this a strategic comment on the
• 14:06
  cars? Oh my god. Actually, it's on trade me anyone in New Zealand if you do want it. No, but
• 14:13
  I honestly reckon it's just people are stripped for cash right now. No one is swapping out for new
• 14:21
  car. People are probably holding on to their cars longer. Everyone's wearing holy underwear.
• 14:25
  Yeah. It times a tough. We're going to be driving shit cars with holes in our own these.
• 14:30
  Yeah. So anyway, but I saw this thing on TikTok. And just so cool on you. I know.
• 14:41
  And I feel like I was like, there's one time at bank. A lady was going around asking people,
• 14:48
  do you can you name a female CEO? And I thought I'd put it to you. Can you name a female CEO?
• 14:54
  Jolly. I knew you'd say that because we interviewed her. Okay, let me think of another one.
• 15:02
  Oh my god, I've got no others. Honestly, every single person was like, no, no, shit, let me think
• 15:08
  about it like holy shit. And it was quite a realization of like, oh my goodness, it was really,
• 15:13
  really depressing to watch. And then I remember this thing that my mum sent me and it was like the top
• 15:17
  at the highest paid CEOs in New Zealand. And I love that island starts to send like content for the
• 15:23
  kid. It's just brilliant. My mother could really step her game up. And I looked down at it and I was
• 15:28
  like, wow, there's people getting paid a lot. And then I was like, hang on. I was like, where are
• 15:31
  the, where are the women? There was one woman out of the top teen highest paid CEOs in New Zealand.
• 15:37
  There was one woman. And I was just how many sorry out of teen? There was one out of teen teen
• 15:42
  percent. It was just like, I don't know. She was a CEO of ASB, which is a large bank in New Zealand.
• 15:48
  But I was just like, sorry. This is the highest paid. Highest paid CEO. Yeah.
• 15:54
  I want to do what the total amount of, you know, like the percentage of just general CEOs
• 16:00
  regardless of what they're in. Sorry. This is another segue into another article that you sent
• 16:05
  me actually. I didn't have to do my research this week. It was great. Oh my gosh. Yeah.
• 16:10
  This was from what you should care about. That seemed to be there in New Zealand media company.
• 16:14
  And I read their ADN and I just thought, this is, yeah, it was about the world's billionaires,
• 16:20
  right? Yes. Yeah. There's now more billionaires than ever in the world. There's 2700 billionaires.
• 16:29
  So we're not talking millionaires. We're talking billion billionaires, which is about 140 more than
• 16:35
  last year. So we're getting more, we're getting richer. Well, the billionaires are, it's like the
• 16:41
  0.00001 percent is getting richer totally. Yeah. And the rest of us kind of
• 16:46
  Ford knew where the disparity is probably getting getting wider, right? But anyway,
• 16:52
  they, in the US, there's over 800 billionaires. That was the biggest one. And then China and then
• 16:58
  India. But in the top 20 billionaires in the world, there was one woman. Top 20 billionaires in
• 17:07
  the world. It was one woman. She is the green daughter of the Laurel founder. What number was
• 17:12
  Taylor Swift? 3,500 and so on. Because if there's only 2,700, it's kind of been 3,000.
• 17:21
  Someone's on to it. 300 and something. And she was way, way, way down. She let one billion.
• 17:26
  I was skipping through the list for a while to see how many people were under 40. And then just
• 17:31
  looking to see what they're, you could just filter. Okay. Well, I'm not very good at spreadsheet.
• 17:36
  I was, you know, whatever. I was going page, page, page. And there wasn't very many people under 40,
• 17:40
  but everyone that like, well, not everyone. But most of the people that were super young
• 17:45
  billionaires were all on the tech space. Yeah. That's like, that's quite interesting. Yeah. So, yeah,
• 17:50
  Taylor Swift was a new addition. But in the top 50, there was only 7 woman. Which is just like,
• 17:58
  I'm just, I just, I'm honestly, I'm really starting to get sick of this conversation. I know that
• 18:02
  you're trying to highlight it, but I want to go into the next topic.
• 18:08
  So Goldman Sachs. Which, you know, I know. No, so Goldman Sachs is a big financial institution
• 18:16
  based in other US. Yeah. Yeah. Yeah. So they're basically global institution, investment bank.
• 18:20
  Yeah. Yeah. Wealth management. They're kind of, I guess, the pinnacle in the finance industry.
• 18:26
  You've got Goldman Sachs, JP Morgan, credits were, you'd be as, they're like, they're all
• 18:31
  like the big, big, big names. So there was a pretty damning article that came out about them
• 18:37
  saying that the gender pay gap at their firm is 50%. I know. How, why would they release that
• 18:45
  publicly? You have to in the UK, you have to disclose your pay disparity. 50% five zero. Did anyone
• 18:51
  walk out? They felt, I'd be so fucked. I would just be like, so they're saying that it's because
• 18:58
  there's less woman and senior leadership roles. So that's why it's an overall firm thing.
• 19:02
  But I'm like, still, that's, that's, that's an issue. That's such an issue. We're actually
• 19:08
  speaking to an investor yesterday, and I know we've mentioned we're raising funds on the podcast,
• 19:12
  but we were speaking to this amazing guy in the US who, we've been in touch with the ages.
• 19:18
  Ever since Facebook at Oxford, he's amazing. And at their company, they've just made,
• 19:22
  because Vic, actually, it was such a good question. She was like, how, if you've got 23 out of
• 19:26
  30 employees, a woman, how are you creating a space for them to, you know, have families
• 19:32
  and blah, blah, blah. And he was like, because he said that they've divorced a in the office rule
• 19:38
  because as a startup, he's noticed that you have to be. And I was like, I totally get that.
• 19:43
  But that discourages women because it's hard because 9 to 5 for someone to be in the office.
• 19:48
  And he was like, yeah, totally, we've made it 10 to 3. Yeah. So it gives you space in the morning
• 19:52
  to look up to kids, pick up kids in the afternoon, work, work for you. And any important meetings
• 19:56
  done between 10 and 30. And I just was like, it's not that hard to come up with solutions.
• 20:00
  It's really not. Yeah. Wow. Genius. It's just changed. Change is,
• 20:05
  scares people. And when you've worked a certain way for so long, you know, even me changing from
• 20:12
  working in the finance industry and being in the office super early and being super focused and
• 20:19
  dedicated on my job, too, you know, being super relaxed. So easy. And it is, you are
• 20:26
  in your face, you're like, what are you about to say? Because I call bullshit. No, because it was
• 20:30
  more just like when you were going down the change route, I thought you were going to be like,
• 20:33
  you know, I'm so good with change. I'm just like, I'm just easy breezy. You know, you change my
• 20:38
  schedule fine. Literally yesterday we were doing a presentation. And it was like an hour before
• 20:42
  and I'd move some slides around. And I was like, oh, I just knew she was going to panic. So I was
• 20:47
  like, please let me know when you have seen this. So we can chat before because I was like, how are
• 20:51
  you going to be like, oh, no, no, I'm not okay with that. I think it is just about exploring
• 21:01
  different options. Totally. Yeah. And anyway, so female employees at Goldman Sachs earn 50%
• 21:08
  less than men, which is not. Can we finish on a higher card? I'm like, yeah. Well, I guess what
• 21:12
  just carrying on from this is that when we spoke a while back about Beth Hammock and she was
• 21:19
  that lady that had been at Goldman for 30 years, she was in line to be, yeah. And so she left.
• 21:24
  And there's been an update because some people might not agree with that. Yeah, yeah. I remember,
• 21:28
  she's like, okay, what I'll explain. Yeah. So this lady Beth Hammock, she'd been at Goldman for 30
• 21:32
  years. She was on track to be I think a CFO like she was kind of the pinnacle lady at Goldman Sachs
• 21:38
  and then she left. And she was the going to be the first woman in a serious leadership position,
• 21:42
  right? Ever at Goldman Sachs. Yes. But this is a bank that's been around for 150 years. So they
• 21:47
  have never had, where was the list? I was like shocked. They have never had a chairperson,
• 21:52
  a chief executive officer, a president or a CFO. That's a woman. I'm just like, you're the biggest
• 21:58
  bank. You've got the biggest pool of people that you can choose from that are in the finance
• 22:02
  industry or you know, I just think there must be a culture thing that women don't like working
• 22:08
  there or do we do like go under cover? Yeah. Try and find some and just go under cover either
• 22:14
  apply for job or we just put on some balaclavas and go and do some tip top interviews. Like what's
• 22:20
  like working at Goldman Sachs? Yeah. That's a good idea. Maybe we get the insights good.
• 22:25
  But I hope this, one takeaway I took from this was that we don't have to invest in Goldman.
• 22:31
  Do you know what I mean? This is quite a good, I feel like there'll be a lot of women
• 22:35
  that would read this or hear this and go, I don't want to invest in Goldman. I don't want to
• 22:40
  even work there, but I don't want to invest there. It's going to be interesting how this plays out.
• 22:45
  But this is a great example how you can vote with your wallet. And if you are an investor,
• 22:50
  then speak your case. Say to them, be like, hey, I'm not happy that this is the
• 22:55
  pay disparity between women and women in your firm. And you might be a small voice, but if you
• 23:01
  multiply that by 100,000 other people, I don't know, it's just, it's a good, it's a good,
• 23:07
  it's a good example that if you're not happy with how a company is run, you can
• 23:13
  bring change or not invest in it. You always, ages ago, I remember when you were at first
• 23:18
  explaining how the stock market worked to me and how stocks work and you're essentially a shareholder,
• 23:23
  which means you own shares of a business, which technically means you sort of own a little tiny,
• 23:30
  tiny slice of it. And therefore, you can have a voice. And even though it's a small one,
• 23:36
  you can. And I think, yeah, it's kind of only really, sunken. I understand that concept so
• 23:42
  much more now. It's more the idea that your money can be powerful. And whether you put it somewhere
• 23:49
  or you decide to divest it somewhere else because you don't agree with something. But you can also
• 23:54
  speak up and ask questions. You don't just have to do it without saying anything. And I think,
• 23:57
  if you feel like being a Karen, you can totally be a Karen. Karen's bringing out change
• 24:03
  to finance world. Yeah. Yeah. You kind of want to be a Karen in the finance world. Yeah.
• 24:07
  Yeah. Maybe we should rename her then. Yeah. Like, it's just something that doesn't sound so
• 24:12
  annoying because I would not like a Karen. Yeah. Maybe a Karina. A Kim. Oh, yeah. Yeah, Kim.
• 24:20
  It's a Kimmy K. Yeah. Yeah. Yeah. Um, K. Claudia. With a K. Claudia? Yep. Do you reckon? Yeah.
• 24:28
  Yeah. No, we'll chop that. Thank you so much for listening to the Curve Weekly.
• 24:33
  Make sure you hit the subscribe button to stay up to date with all the many business stock market
• 24:37
  news. And if you like what you heard, we would love a review. Thank you. Yes. We would love a
• 24:42
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• 24:47
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• 24:51
  little podcast. And we hope you have a good week and see you next Monday. Bye. Bye.
• 24:56
  See you next Tuesday. Well, see you next Tuesday. I mean Monday.